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She's healthy now and we want to give her the options a long term care policy will afford her. She will own the policy and have full control. We will just pay the premiums.
Just have a family get together and discuss your plans. I am not sure if you can purchase long term if she is over 65. She should welcome that her family cares enough to go ahead and make plans now. Good luck!
Better if you own it and she is the beneficiary. That way if dementia sets in, she cannot try to cash it in. Protect her. See an Elder Law attorney. Premiums may be quite high, and coverage is not immediate.
Not all Long Term Care policies are scams. The one that my mother had paid about 80% of the cost of her being in a nursing home for 4 1/2 years. She received much more back in benefits than she had paid in premiums. She wisely chose a rider that exempted her from paying premiums once she was in the nursing home. The company was S.H.I.P.
My step-mother received help from the same company and my dad is receiving help currently.
Check for complaints against that company. abc7news/archive/8548374/
All I know is that Mother has Mutual Of Omaha and they continue to put off making any payments. They always need something else, even though the nursing home is dealing with them.
One of the siblings will need to be your mother's durable POA so that you can be her representative to the long term insurance company and apply for the benefits for her. If I remember correctly, my mother mentioned me in her long term care insurance policy as her representative. When it comes time for this, you will need a statement from a doctor saying that she can't do several things for herself which the policy will list. They will want a copy of the POA and the license of the nursing home. Then, you will be mailing or faxing to them a copy of the nursing home bill that you pay, but then they send you money which covers part of the cost. Unlike my step-mother and dad, my mother never used the rider about having home health care which she had a rider for also.
Chicago, I'm sorry for your sorry experience with your mother's long term care insurance policy. There should be somewhere that such behavior is reported so that the company is held accountable.
Chicago, somehow my situation did not face the obstacles that the couple in that news report faced. I feel sorry for them and others like them. I don't know why, but my mother, step-mother had a different experience as is my dad. I hope your company will finally come through for your mother.
This is done more often than you think. Most companies stop offering policies after age 75 (2 do go to 80) but your mom will have to meet health qualifications. Costs can vary quite significantly from one carrier to another and so the American Association for Long Term Care recommends working with a professional who is "appointed" with multiple companies. Appointed is insurance industry jargon which means they can actually sell the policy. If they only are appointed with one insurer -- guess which one they'll push. The Association has some consumer guides worth reading and there's no sign-in required to access them at www.aaltci.org/guides Hope that helps.
Dennis, you are smart to take care of payments for her. In my Mom's case she purchased a policy some years ago. When she started to develop Alzheimer's she either decided to stop paying or FORGOT! She had paid into it for many years. And now Medicaid will allow retaining assets up to the value of the policy. So the face value is actually double what is stated. If the policy pays out $200,000 the actual value because of the ability to retain assets is $400,000. Found this out at a Senior Law Fair that was put on by the State Bar Association a few weeks ago. If there is a similar fair in your area I highly recommend it!
I believe you are not correct regarding asset protection.
First, if anyone buys long term care insurance make certain someone is designated to receive notification if premium payments are not being made. Policies can be reinstated but only for a specified amount of time so this is very important.
Second, you are likely speaking about Partnership policies which provide a level of asset protection should someone exhaust their long term care insurance policy and need to apply for Medicaid. There a very good explanation at http://www.aaltci.org/partnership.
Dennis, I think you're getting really helpful answers about how to pick and operate a good LTC policy; but your question is how to bring the subject up with your mother? What's the problem? Why would she not be pleased that you and her other children are making co-operative plans to care for her in the future? Does she have other ideas about how she'd like things to go?
Insurance is a funny thing: you can insure pretty much anything (except a certainty) if you go about it the right way. So it's not impossible that you and sibs could insure yourselves against care costs for your mother without even needing to consult her, if you really had to. Call a specialist broker and see what they advise if you're interested; but first of all try the easy way and involve her.
My problem is not in picking a policy, it's just talking to mom about her good old and needing help. So we'd like to have some ideas as to how we can approach her in a non-threating way. We don't want it her to hear things like we just want to put her away when she needs help. Please let me know if you have had a conversation with your mom about her long term care needs way before she needed it and how you approached it.
Had that conversation years ago and it was Mom's idea. She wanted to preserve resources so there would be an inheritance. Her mother was in a nursing home for years and had been on Medicaid for about seven years when she passed at 101. My Mom saw how expensive it would be and wanted to pay for it somehow. But, there was nothing left. You could also approach it from terms of "if it is needed" and having a way to pay for it.
Dennis why not just bring it up either when the family is together or appoint one of you and just raise it. Follow all of the above advice but it wont be easy given her age and if she is accepted the cost could be over a thousand a month. you may have already picked out a policy that you like and of course the agent is eager for you to apply BUT untill Mom is assessed you don't know if your favorite company will accept her and what the cost will be. I spent a couple of years doing assessments for various long term care comapnies and it is quite an involved process. The medical questions were fairly straight forward and the only physical assessment I did was blood pressure and pulse. There was a mini mental evaluation which included remember ing about six words and putting them in a sentence later. I also had to make certain observations about the environment which the applicant was not aware of. I woulf ask the person to get up out of their chair and walk across the room. I had to note if they had to use the chair arms to get up and how they walked. How were they dressed, was it suitable for the season, were they clean and well groomeded. Was the house neat and clean or were there piles of junk everywhere. i had to list their medications and note if the yard was well kept. I used to ask to use their bathroom even if I didn't go and used that as a barometer of how they were functioning. The whole thing took about an hour and a half and to get the job I had to have experience caring for older people. So Dennis your mother is 65 and you say healthy but is she taking medication for for instance high cholesterol or maybe osteoporosis? These will all count against her and put the cost of the premiums up. As others have said getting the company to pay when the time comes may be a problem, they may pay ------------ eventually. You need to make sure it will pay for both nursing home and home care. Another idea is to set the money aside you would have paid in premiums and keep it in a seperate account. If you have enough for six months of care when mother needs it if she does it will be easy to have her admitted to a N/H and then when the money is gone to apply for Medicid. If you save for ten years your would have at least $120,000 available. it is worth thinking about.
That is a very wise move, instead of waiting too long, preparing for your mom's future long-term care needs is the best course of action. However, discussing it with her might not be that easy because long-term care is not a pleasant topic, usually, the elders misconception about long term care is all about nursing homes. I suggest that you conduct a simple gathering with a light mood and begin the discussion by asking your mom if she has alternate source of funding should the need for care arises. Maybe you can cite a situation or scenarios comparing the differences of being insured and not.
Once you convince her, you should also be able to lay out plans on which type of policy she should get and discuss about the payments, to make sure that the policy won't lapse in case of a cognitive impairment and she forgot to make payments for the premiums.
Also, it is advisable to choose the long-term care insurance companies wisely. Here's a helpful list of the top providers of ltci: http://www.infolongtermcare.org/ltci-learning-center/top-long-term-care-insurance-carriers/.
In addition, seek the aid of an expert, an elder care lawyer would be a good start so you can discuss things like advance directives and POA for your mom.
Get all your ducks in a row. Find a couple of policies you'd like her to consider, get prices, and call a meeting. I love the way you phrased it: "We want to give mom the options..."
In my area (Chicago suburbs), nursing homes vary in price all over the place. The one I have chosen for mom (should she have to be placed) is $8,200 a month. A friend's brother is in another that is only (only, ha!) $6,000. I would NEVER put my mom there. It's a warehouse.
Dennis, you could try telling your mother this: we, as a family, tried over the course of nearly ten years to get our mother to concentrate on making plans for her old age. She didn't want to talk about it. She got what she was given. Serve her right.
So perhaps asking her how she would like things to go - backed up, I totally agree, with a few costed options which you have behind your back ready to whip out at a moment's notice - is the way to start? Time and tide, after all...
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
My step-mother received help from the same company and my dad is receiving help currently.
All I know is that Mother has Mutual Of Omaha and they continue to put off making any payments. They always need something else, even though the nursing home is dealing with them.
Chicago, I'm sorry for your sorry experience with your mother's long term care insurance policy. There should be somewhere that such behavior is reported so that the company is held accountable.
First, if anyone buys long term care insurance make certain someone is designated to receive notification if premium payments are not being made. Policies can be reinstated but only for a specified amount of time so this is very important.
Second, you are likely speaking about Partnership policies which provide a level of asset protection should someone exhaust their long term care insurance policy and need to apply for Medicaid. There a very good explanation at http://www.aaltci.org/partnership.
Insurance is a funny thing: you can insure pretty much anything (except a certainty) if you go about it the right way. So it's not impossible that you and sibs could insure yourselves against care costs for your mother without even needing to consult her, if you really had to. Call a specialist broker and see what they advise if you're interested; but first of all try the easy way and involve her.
Thanks,
you may have already picked out a policy that you like and of course the agent is eager for you to apply BUT untill Mom is assessed you don't know if your favorite company will accept her and what the cost will be.
I spent a couple of years doing assessments for various long term care comapnies and it is quite an involved process.
The medical questions were fairly straight forward and the only physical assessment I did was blood pressure and pulse.
There was a mini mental evaluation which included remember ing about six words and putting them in a sentence later.
I also had to make certain observations about the environment which the applicant was not aware of. I woulf ask the person to get up out of their chair and walk across the room. I had to note if they had to use the chair arms to get up and how they walked. How were they dressed, was it suitable for the season, were they clean and well groomeded. Was the house neat and clean or were there piles of junk everywhere. i had to list their medications and note if the yard was well kept. I used to ask to use their bathroom even if I didn't go and used that as a barometer of how they were functioning. The whole thing took about an hour and a half and to get the job I had to have experience caring for older people.
So Dennis your mother is 65 and you say healthy but is she taking medication for for instance high cholesterol or maybe osteoporosis? These will all count against her and put the cost of the premiums up.
As others have said getting the company to pay when the time comes may be a problem, they may pay ------------ eventually. You need to make sure it will pay for both nursing home and home care.
Another idea is to set the money aside you would have paid in premiums and keep it in a seperate account. If you have enough for six months of care when mother needs it if she does it will be easy to have her admitted to a N/H and then when the money is gone to apply for Medicid. If you save for ten years your would have at least $120,000 available. it is worth thinking about.
Once you convince her, you should also be able to lay out plans on which type of policy she should get and discuss about the payments, to make sure that the policy won't lapse in case of a cognitive impairment and she forgot to make payments for the premiums.
Also, it is advisable to choose the long-term care insurance companies wisely. Here's a helpful list of the top providers of ltci: http://www.infolongtermcare.org/ltci-learning-center/top-long-term-care-insurance-carriers/.
In addition, seek the aid of an expert, an elder care lawyer would be a good start so you can discuss things like advance directives and POA for your mom.
Good luck!
In my area (Chicago suburbs), nursing homes vary in price all over the place. The one I have chosen for mom (should she have to be placed) is $8,200 a month. A friend's brother is in another that is only (only, ha!) $6,000. I would NEVER put my mom there. It's a warehouse.
Great move. I wish you good luck.
So perhaps asking her how she would like things to go - backed up, I totally agree, with a few costed options which you have behind your back ready to whip out at a moment's notice - is the way to start? Time and tide, after all...